UnionBank of the PhilippinesReviews of unionbankph.com

My mother was wrongly charged a late fee by UnionBank despite settling her annual fee on time. The PHP2,500 annual fee was due on 22 May 2025. She had enough reward points and used them to pay the fee, with the waiver confirmed on 20 May 2025—two days before the due date. In June, her card suddenly stopped working. She was informed she had incurred late charges, which made no sense. We checked her account, and the only purchases were made on 25 and 26 May—clearly after the annual fee deadline and only due in the next billing cycle (30 June). To make matters worse, Customer Support was unreachable by phone. When we emailed, we received a response that the late fee was “valid” and the case was closed—with no proper review or explanation. This experience has been extremely frustrating. The system appears flawed, and the lack of meaningful customer support makes it even worse. Highly disappointed.

This is the worst bank in the Philippines. Avoid them at any cost. They have the worst customer service among their business category. What you will get as a reply is nothing but AI.

Ever since UB took over Citi, customer service has been TERRIBLE. Try calling their contact center and you’ll hit endless IVRS menus, then the call just drops. Email them? Good luck. If you ever get a reply, it’ll just tell you to call the same broken number (see sentence #2).

They used to be a very good bank. But not anymore. With their customer service taking the back seat, they're simply the WORST bank today. heck, even the their preferred phone IVR voice sounds devoid of empathy. (even telling people to drop the call if not amenable to the terms). Just stay away from this pathetic excuse for a bank. Emails to them will go unanswered and will close-unresolved by itself.

When we first started banking with union bank it was very reliable. Now the bank is extremely unreliable with the portal often down, payments not Being processed, but the funds deducted from our banks and the end receiver is not receiving, the customer service support can take over a week to get a response. Even when you go to a branch, you can be lined up for hours. I don’t know what has happened with this bank over the last 12 months, but we will be looking to close all of our accounts immediately due to the unreliability of the platforms and slow customer service. All companies need a reliable business banking partner and unfortunately this bank can no longer provide the service. Today is the 20th day of the month which means companies need to pay their VAT to the BIR but once again their platforms are down and payments not going through.

⚠️ UNIONBANK IS NO LONGER TRUSTWORTHY! ⚠️ I can no longer stay silent about this issue. UnionBank has become unreliable and untrustworthy, with countless people losing their hard-earned money due to failed transactions that remain unresolved. I am one of the many victims, and I refuse to let this go unnoticed! Here’s what happened to me: 🔴 January 17, 2025 – I booked a flight to Bohol through Cebu Pacific, using UnionBank to transfer the payment via PayMaya. The transaction was marked successful, and I was deducted ₱11,000, but the booking failed. Up until today, UnionBank has done nothing to return my money. 🔴 March 31, 2025 – I cashed in ₱10,000 from UnionBank to GCash. Once again, the transaction was marked successful, the money was deducted, but it never reached my GCash wallet. Another ₱10,000 gone, and yet no resolution from UnionBank. This is theft in broad daylight! How many more people have lost their money due to UnionBank’s failing system? A bank’s primary responsibility is to keep people’s money safe, yet UnionBank is doing the opposite—deducting money and leaving customers with no support or solution. Their lack of urgency and accountability proves that they do not care about their customers. I am calling on Bangko Sentral ng Pilipinas (BSP) to launch a serious investigation into UnionBank’s practices. This is no longer an isolated case—this is a systemic failure that needs to be addressed! To anyone who has experienced the same issue, speak up! Don’t let UnionBank get away with this. We deserve answers, refunds, and accountability. #UnionBankScam #UnionBankFraud #UnreliableBank #FailedTransactions #BSP#WhereIsOurMoney

Mapapamura ka ng sobra sa bank na ito. Dina binalik yung 4k na cancelled withdrawal ko sa wise kahit binigay mona lahat statement of deposit, cancelled at withdrawals. Nag gliglitch din app nila sabi internet issue daw e ang bilis bilis at ang smooth ng internet ko. Ingat sa pag gamit ng app nila. Kapag hndi mo nakuha yung na transfer mo may posibilidad na 1 to 3 months daw bago mabalik yung pera. Mag iisang buwan na wala parin yung akin. I don't recommend this bank.

Since its acquisition, this bank has taken a noticeable dip in service quality. Customer support has become painfully slow, making even simple inquiries feel like a hassle. There have also been multiple reports of unauthorized transactions, which is a major concern for account security. On top of that, the banking app is sluggish and unresponsive, making transactions and account management frustrating. What used to be a reliable institution now feels inefficient and unreliable. Hopefully, they address these issues soon, but for now, customers should be prepared for delays and potential security concerns.